Call reports 2015
COMMUNITY BANK, N.A. — 2015
What COMMUNITY BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 52,290,000 | 51,676,000 | 50,118,000 | 50,223,000 |
| Total loans | 27,405,000 | 28,950,000 | 29,758,000 | 29,375,000 |
| Allowance for loan losses | 405,000 | 412,000 | 427,000 | 400,000 |
| Securities available for sale | 525,000 | 312,000 | 315,000 | 65,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,542,000 | 46,761,000 | 45,129,000 | 45,254,000 |
| Interest-bearing deposits | 37,102,000 | 36,071,000 | 34,410,000 | 34,633,000 |
| Noninterest-bearing deposits | 10,440,000 | 10,690,000 | 10,719,000 | 10,621,000 |
| Equity capital | 4,679,000 | 4,811,000 | 4,877,000 | 4,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,099,000 | 1,662,000 | 2,238,000 |
| Interest expense | 62,000 | 124,000 | 184,000 | 238,000 |
| Net interest income | 484,000 | 975,000 | 1,478,000 | 2,000,000 |
| Noninterest income | 126,000 | 294,000 | 461,000 | 615,000 |
| Noninterest expense | 471,000 | 992,000 | 1,475,000 | 2,030,000 |
| Provision for loan losses | 4,000 | 8,000 | 11,000 | 42,000 |
| Pretax income | 135,000 | 269,000 | 452,000 | 542,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 269,000 | 452,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,680,000 | 4,811,000 | 4,877,000 | 4,915,000 |
| Total capital | 5,082,000 | 5,214,000 | 5,285,000 | 5,293,000 |
| Risk-weighted assets | 32,150,000 | 32,229,000 | 32,607,000 | 30,244,000 |